VRTO

Rent to Own Stores in Oak Ridge, TN

Oak Ridge, TN has 1 rent-to-own store listed in the VRTO (Virtual Rent To Own) directory, updated daily from verified retailer data. Available companies include Rent-A-Center. Product categories available: appliances, computers, electronics, furniture, gaming, jewelry, mattresses, smartphones. Rent-to-own transactions are legal and regulated in TN (Source: State Legislature). Early purchase rights: Consumer may purchase the property at any time by paying 60% of the remaining periodic payments plus any past-due amounts.. Most rent-to-own locations do not require a credit check — approval is typically based on income verification.

1 RTO Stores
1 Companies
4.5 ★ Avg Rating
238 Reviews

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What Customers Are Saying

Recent reviews from rent-to-own stores in Oak Ridge.

We just closed our deal today with this RAC after nearly a year and a half of doing business with them. We moved here from out of state without a single dime to our name pretty much. So no Uhaul, no bringing our own stuff, no money for a storage unit while we stayed in a hotel and hunted for an apartment. Once we finally landed an apartment I knew that for a cheap down payment RAC would have the bed we needed, but was apprehensive due to past experience with an unaffiliated RAC in another state. I am honestly so grateful we met Dan and his team the day we decided to go looking for furniture. If you are serious about keeping up with your end of the contract and making your payments, this location is great. There were a few issues with furniture being shipped broken or missing pieces (we moved several times) and they handled it as quickly as possible in ways that did not put us in a financial bind while they sorted it out. The guys that put the furniture together are kind and talkative, and I'm typically someone that feels weird with anyone in my home when its just me. But they're great people. If you keep communication open with Dan and Dakota, they're understanding that....maybe your paycheck didn't fall on the right day. It IS policy for them to call and text reminders, but they won't harass you in person if you PTP (promise to pay) and establish that you can keep your word with them. They saw us go from a studio apartment, to our "dream apartment", to home ownership in a year and 5 months. The entire time I added more and more furniture until my bill with them turned into "well why dont we just buy our own stuff". Sorry, not sorry! 😂 But thank you guys so much! You made this journey just a little less nerve racking for us! Shout out to Tim who will literally do everything he can to make sure you have what you need. We had fallen on a difficult time (unexpected lay off), and he offered to bring us a spare bunkbed of his own if we weren't gonna be able to make a payment. We pulled through pretty quickly but he's proof that selflessness and above and beyond customer service still exists. And also Eddie will literally talk to you about anything, like he's known you all his life, and have an entire room built or broken down in 15 minutes. All around a good experience!

Autumn Rayne
Rent-A-Center

We have been dealing with this Specific Rent A Center for almost 4 years. Dan is Absolutely Amazing. He always goes above and beyond to help his Customers. Dakota is Top Notch. Not only is he a Perfect Employee, He's also a Great Friend. His personality is Contagious. Dakota is very knowledgeable about all products that they have in store and if it's not in store he will do his best to get it. Tim fixed our Dryer like a Professional. Everyone goes Above Expectations of the Company. DELIVERY MEN- Words can not even come close to expressing. They show up on time, Very polite and Professional. No nicks or damage to my house. Jeremy and Eddie we're Amazing. I will only deal with Oak Ridge because other Rent A Centers will never come close to Oak Ridge especially Clinton (Clinton is rude. They need to take tips from oak ridge). We have purchased Laptops Washer/Dryer 2 Living Room Couch Sets 1 Bed 3 Video Games 1 TV 2 end tables 1 coffee table I wish I could leave more then 5 starts cause they deserve a higher rating. Thank you to all Employees at Oak Ridge Rent a Center.

Sandra Jo
Rent-A-Center

Been doing business with these guys for years always take care of my family. If I think it's not they make it rite.and wife is happy. Happy wife happy life.ty all

Bradley Hagin
Rent-A-Center

I have rented and bought several items from them, and they are always so helpful and kind. They are willing to work with you on payments and always give you an amazing deal! I highly recommend them to anyone looking to buy furniture but don't have the ability to spend a ton at once!

Isiah Newberry
Rent-A-Center
Reviews from Google

What to Bring When Visiting a Rent-to-Own Store

Most stores in Oak Ridge will ask for the following to get started.

Valid Photo ID

Driver's license, state ID, or passport

Proof of Income

Recent pay stub, bank statement, or benefits letter

Proof of Residence

Utility bill, lease agreement, or bank statement with address

References

Typically 3-4 personal references with phone numbers

No credit check required at most stores.

Rent-to-own is not a loan or credit purchase. You can return items at any time without penalty. In Tennessee, stores are required to offer an early purchase option. Requirements vary by store — call ahead to confirm.

Shopping for Rent-to-Own in Oak Ridge

Getting the best deal on rent-to-own takes a little preparation. Here are tips to help you make an informed decision at any of the 1 stores in Oak Ridge.

Compare Stores Side by Side

Check the store listing above for ratings, products offered, and contact details before making your visit.

Ask About Early Purchase Options

Every rent-to-own agreement should include an early purchase option (EPO). Ask the store how much you can save by buying the item outright before the full lease term ends. The earlier you buy, the more you save.

Check Store Hours Before You Go

Hours can vary by location and may change on holidays. Call ahead or check the store listings above to confirm the store is open before making the trip. Many stores close earlier on weekends.

Read Reviews from Other Customers

Customer reviews can reveal important details about service quality, delivery experience, and staff helpfulness. Check ratings on each store listing and click through for detailed reviews.

Estimate Your Total Cost

Use the VRTO calculator to estimate your total rent-to-own cost before you visit. Knowing the full cost upfront helps you compare options and budget effectively.

Know Your Rights

Rent-to-own is not a loan or credit purchase — it is a terminable lease. You can return items at any time without penalty. Tennessee has consumer protection laws governing RTO transactions. Ask the store for a copy of your agreement before signing.

Data Accuracy Notice

Store details including hours, address, phone number, and product availability are sourced from publicly available retailer data and updated regularly. This information may not reflect recent changes — always contact the store directly to confirm current hours, inventory, and pricing before visiting. VRTO (Virtual Rent To Own) is an independent directory and is not affiliated with, endorsed by, or acting as an agent of any rent-to-own company listed on this page. Reviews and ratings shown are from Google and reflect the opinions of individual reviewers, not VRTO. See our full disclaimer and data collection methodology.

Browse by Category in Oak Ridge

Frequently Asked Questions About Rent-to-Own in Oak Ridge

Oak Ridge, TN has 2 rent-to-own stores listed in the VRTO directory, operated by 2 companies: RAC Acceptance and Rent-A-Center. Each store offers different products and payment options. Browse the listings above to compare hours, ratings, and contact info.

Most rent-to-own stores in Oak Ridge do not require a traditional credit check. RTO is a lease agreement, not a loan — there is no debt obligation, and you can return items at any time. Stores typically verify identity and income rather than credit score. Contact stores directly to confirm their specific requirements.

Rent-to-own stores in Oak Ridge offer furniture, appliances, electronics, computers, smartphones, and mattresses. You take items home the same day — no waiting for delivery or credit approval. Most RTO agreements include free service and repair coverage for the life of the lease, so if an appliance breaks down, the store fixes or replaces it at no extra cost. Use the comparison table above to see what each of the 2 local stores carries.

Rent-to-own lets you take home items immediately and pay weekly or monthly until you own them — or return them anytime with no penalty. There is no long-term obligation: RTO is a lease, not a credit agreement. Service, maintenance, and repairs are typically included at no additional cost, so you are covered if something breaks. Total cost is typically higher than retail cash price, but early purchase options can reduce what you pay. Tennessee requires dealers to disclose the total cost upfront before you sign.

Rent-to-own is a regulated industry — 47 states have RTO-specific statutes, and the FTC oversees the market at the federal level. Tennessee regulates rent-to-own agreements under state consumer protection law. Rent-to-own agreements in Tennessee are regulated by state consumer protection laws. Always review the full agreement before signing. Review the full agreement and understand the total cost before committing.

VRTO is an independent directory service. We are not affiliated with, endorsed by, or connected to Aaron's, Rent-A-Center, or any other rent-to-own company. Store information is provided for reference purposes only. Some directory descriptions and guides are drafted with AI assistance and reviewed for accuracy by our editorial team.